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Google (NASDAQ:GOOG) Wallet is an app for the Android platform that can handle a broad array of credit cards, from Visa (NYSE:V) to Discover (NYSE:DFS) … but it’s not necessarily supported by every merchant, even if those merchants accept said cards.

Now, Google is working on an end-around.

According to a report from Information Week, Google is developing its own physical Google Wallet Card to use at places without near-field communication technology.

Even with Google’s enormous resources, it still would take quite a while to get merchants to install new payment systems compatible with the current Google Wallet. Thus, offering a physical card should give the company an opportunity to ramp up transaction volume in the near-term.

However, adoption of a Google Wallet Card might be hindered by the redundancy of using a physical card that’s tied to other physical cards.

Meanwhile, Google also is taking steps to improve the web-based system, including adding the ability to send money via email, make withdraws and deposits to a bank account, and seamlessly use transit cards.

Tom Taulli runs the InvestorPlace blog IPOPlaybook, a site dedicated to the hottest news and rumors about initial public offerings. He is also the author of “How to Create the Next Facebook.” Follow him on Twitter at@ttaulli. As of this writing, he did not hold a position in any of the aforementioned securities.